VTI vs XBFR
Vanguard Morningstar Total Stock Market ETF vs Innovator Equity Managed 10 Buffer ETF
Which is better, VTI or XBFR?
Large Cap Blend against Option Writing.
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 38.9%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | VTI | XBFR |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.79% |
| AUM | $689.2B | $52M |
| Dividend Yield | 1.06% | 0.10% |
| Holdings | 3,524 | 400 |
| YTD Return | +13.02%Best | +7.92% |
| 1Y Return | +16.63% | - |
| 3Y Return (annualized) | +21.97% | - |
| 5Y Return (annualized) | +11.99% | - |
| Top 10 Weight | 33.5%Best | 38.9% |
| Fund Family | Vanguard (US) | Innovator ETFs Trust |
| Category | Equity | Alternative |
| Style | Large Cap Blend | Option Writing |
| Inception | May 24, 2001 | Feb 24, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
VTI vs XBFR growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
VTI vs XBFR Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Innovator Equity Managed 10 Buffer ETF (XBFR) is an ETF from Innovator ETFs Trust. Year to date, VTI is up 13.02% versus a gain of 7.92% for XBFR.
Past performance does not guarantee future results.
Fees and Cost Over Time
VTI charges 0.03% per year while XBFR charges 0.79%. On a $10,000 position that is $3 vs $79 annually, a gap of $76 per year that compounds over a long holding period. On income, VTI currently yields 1.06% against 0.10% for XBFR.
Holdings Overlap
61.8% of VTI's money is in holdings XBFR also owns. 94.3% of XBFR's money is in holdings VTI also owns.
Most of XBFR is already inside VTI. Owning both mostly buys the same companies twice.
166 positions in common, counted across the 3,441 positions we hold weights for in VTI and 182 in XBFR, against full books of 3,524 and 400.
What only one of them owns
Our book lists 10 positions for XBFR that do not appear in our book for VTI (2.0% of the fund), and 992 for VTI that do not appear in XBFR (35.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XBFR | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.88% | 8.07% | 1.19% |
| AAPLApple, Inc | 6.30% | 7.27% | 0.97% |
| MSFTMicrosoft Corp | 5.11% | 5.76% | 0.65% |
| AMZNAmazon.Com Inc | 3.41% | 3.71% | 0.30% |
| GOOGLAlphabet Inc | 2.70% | 3.04% | 0.34% |
| AVGOBroadcom Inc | 2.38% | 2.45% | 0.07% |
| GOOGAlphabet Inc. C | 2.12% | 2.58% | 0.46% |
| METAMeta Platforms Inc | 1.70% | 2.26% | 0.56% |
| MUMicron Technology, Inc. | 1.46% | 1.92% | 0.46% |
| TSLATesla Inc | 1.40% | 1.85% | 0.45% |
94.3% of XBFR is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or XBFR?
VTI has an expense ratio of 0.03% while XBFR charges 0.79%. VTI is the cheaper option, by $76 a year on a $10,000 investment.
What is the holdings overlap between VTI and XBFR?
94.3% of XBFR's money is in holdings VTI also owns. 94.3% of XBFR's is in holdings VTI also owns. They hold 166 positions in common, counted across the 3,441 positions we hold weights for in VTI and 182 in XBFR.
Which pays a higher dividend, VTI or XBFR?
VTI yields 1.06% while XBFR yields 0.10%, so VTI currently pays the higher dividend yield.
Is XBFR better than VTI?
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 38.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.